Step 1 Increasing your income

​Benefits, tax credits and Universal Credit

There is a range of different types of benefits and tax credits which you might be entitled to. During 2013 the Government started to introduce a new benefit called Universal Credit. Whether you can claim any of these benefits will depend on your circumstances.


contribution-based benefits

As a self-employed person, you may not have paid the correct type of National Insurance contributions to qualify for contribution-based benefits. Contact us for advice.

You can see more information about many of these benefits at GOV.UK.

Some benefits are based on the National Insurance contributions you have paid. These include contribution-based Jobseeker’s Allowance, contributory Employment and Support Allowance, pensions and maternity benefits.


Other benefits and the new Universal Credit are means-tested. This means the amount of help you get depends on how much money you already have coming into your home. There are also limits on how much you are allowed to have in savings and still claim. These benefits are designed to ‘top up’ any income you already have. You do not need to have paid National Insurance contributions to claim them.